WORKSHOP FULL!

Join us at our Clemmons location for our upcoming workshop – SOCIAL SECURITY PLANNING – What You Need to Know About Your Retirement Income. There is no cost to attend this event, but seating is limited. Click to register below or call 336-391-3409 today!

No matter how much you’ve saved for retirement, one of the most important elements of retirement income planning is understanding how Social Security works to ensure you’re getting every penny you’re entitled to. Maximizing your Social Security can extend the life of your other retirement assets and ultimately put more money in your pocket.

Legislators have proposed a host of changes to Social Security and Medicare including raising the payroll tax cap, the retirement age, the way cost-of-living adjustments are measured and rules for ancillary benefits. NOW is the time to get the facts about your benefit options.

The Wealth Guardians have helped hundreds of local families make informed decisions on filing strategies as part of their overall retirement plan.

Join Doug Ray, MBA, ChFC, RICP ® and special guest, Hamilton Morales, SVP & Social Security Strategist, Financial Independence Group for this informative and educational event. Doug and Hamilton also hold the National Social Security Advisor accreditation.

Making the best decision about when to apply for your Social Security is complex and can make a substantial difference in your income and standard of living in retirement. Social security is too important to leave to guesswork. Join us and learn how to protect your nest egg and maximize this important element of your retirement.

Topics to be Discussed include

• How to reduce taxation on your Social Security after you start receiving your benefits
• How special claiming strategies may increase your total benefits
• How to plan Social Security with all other sources of retirement income and potentially pay far less on your income

This workshop is full. Please send an email to nicole@thewealthguardians.com if you are interested in registering for our April 2025 Social Security workshop!

Join us in Clemmons for our upcoming workshop SAVVY TAX PLANNING – How Tax Planning Changes Through the Four Stages of Retirement. There is no cost to attend this event, but seating is limited.

THE SECURE ACT 2.0 made nearly 100 changes to Retirement Plans. These regulations and TAX CHANGES are the most comprehensive to retirement accounts in 40 years. You could be impacted by new rules around RMDs, ROTHs, Charitable contributions, Long Term Care AND Surviving spouse benefits.

What does all this mean for you? How you plan for taxes during the 4 stages of retirement CAN impact your lifestyle. If your only focus is market returns, you could miss a big risk to your retirement. Join Doug Ray, MBA, ChFC, RICP ®, Brice Payne, RICP ®, Investment Adviser Representative, and Garrett Ray, MBA, Investment Adviser Representative for this informative and educational event.

The Wealth Guardians have helped hundreds of local families make informed decisions on tax mitigation as part of their overall retirement plan.

Topics to be Discussed include

• How to potentially pay far less on your retirement income
• How the new IRS ruling of the Secure Act could impact your RMDs
• How to avoid tax time bombs in your IRAs
• How to create tax-free income from your current qualified accounts moving forward
• How legislative risk can impact your tax bracket even if nothing about your personal situation changes.

REGISTRATION OPENING MARCH 1ST

Join us in Clemmons for our upcoming workshop – SOCIAL SECURITY PLANNING – What You Need to Know About Your Retirement Income. There is no cost to attend this event, but seating is limited.

No matter how much you’ve saved for retirement, one of the most important elements of retirement income planning is understanding how Social Security works to ensure you’re getting every penny you’re entitled to. Maximizing your Social Security can extend the life of your other retirement assets and ultimately put more money in your pocket.

Legislators have proposed a host of changes to Social Security and Medicare including raising the payroll tax cap, the retirement age, the way cost-of-living adjustments are measured and rules for ancillary benefits. NOW is the time to get the facts about your benefit options.

The Wealth Guardians have helped hundreds of local families make informed decisions on filing strategies as part of their overall retirement plan.

Join Doug Ray, MBA, ChFC, RICP ®, Brice Payne, RICP ®, Investment Adviser Representative, and Garrett Ray, MBA, Investment Adviser Representative for this informative and educational event. Both Doug and Brice also hold the National Social Security Advisor accreditation.

Making the best decision about when to apply for your Social Security is complex and can make a substantial difference in your income and standard of living in retirement. Social security is too important to leave to guesswork. Join us and learn how to protect your nest egg and maximize this important element of your retirement.

Topics to be Discussed include

• How to reduce taxation on your Social Security after you start receiving your benefits
• How special claiming strategies may increase your total benefits
• How to plan Social Security with all other sources of retirement income and potentially pay far less on your income

REGISTRATION OPENING APRIL 1ST